5. Ignore any holiday windfalls. If you receive a bonus, raise, tax refund, or generous holiday gift in cash, SavvyMoney.com editor Jean Chatzy suggests pretending it doesn't exist. "Funnel a bonus or tax refund directly into savings, without giving yourself a chance to spend it," she says, and if you have credit card debt, use the money to pay it off. Otherwise, she says, that money could easily disappear on less meaningful expenditures.
What are your 2012 money goals? Please share them below.